Health & Wealth Blog

New Study: Instead of Spending Down Assets, Eight in Ten Retirees Expect to Maintain or Grow their Investments

By: Matt Greenwald

Women Have Greater Interest in Purchasing Annuities to Guarantee Predictable Income for Life Washington, DC, April 12, 2016 – A new survey finds that retirees continue to rely extensively on sources of income that are guaranteed for life instead of spending down non-guaranteed assets. In fact, half of retirees expect to grow their assets over Read more…

Alternative Investments – Testing the Waters

By: Brian Perlman

Our research with financial advisors suggests that the current paradigm for mutual fund investing, one that involves a portfolio mixture of equities and fixed investments has been challenged in the current economic climate: With yields as low as they are, the fixed portion of the portfolio has virtually become a substitute for cash and advisors Read more…

When Bacon Turns Into Cigarettes: How Health Plans Can Build On Health Science

By: Anne Elmlinger

Background Last year’s World Health Organization report on the health dangers of eating processed meats raised a critically important issue for consumers. Specifically, the WHO officially classified processed meat as a Group 1 carcinogen. This means there is strong scientific evidence linking these foods to cancer.  However, there is no definitive explanation yet for why Read more…

Stress and Money – A Strong Connection

By: Brian Perlman

In recent years, Greenwald & Associates has done a great deal of work on the connection between psychology and finances. We have explored the impact that emotions, personality, and behavioral tendencies have on the decisions that consumers make regarding their finances. These issues are important because psychological factors can have a big impact on financial Read more…

What Do Disability and Retirement Plans Have in Common?

By: Lisa Schneider

The more research I do in these areas, the more I’ve come to appreciate the important similarities and interconnectedness of workplace disability insurance and retirement plans. At their core, I believe these benefits aim to achieve the same goal – income replacement. Employees save for retirement, albeit modestly, not to simply have a pile of Read more…

Financial Industry Maxims Are Out of Touch

By: Matt Greenwald

I believe some financial industry maxims are very far out of touch with the values and goals of American retirees. The result is we are losing an opportunity to communicate information that can provide great help on a most complex issue: how to manage money in retirement. Let me start with the values and goals Read more…

CDHPs for the Wealthy & Healthy?

By: Anne Elmlinger

Greenwald & Associates is celebrating its 30th anniversary this year. It’s a time of remembering how things were and also looking ahead to the future. The experience has led me to also think about the 10th anniversary of our Consumer Engagement in Health Care Survey (CEHCS), about what has changed since the early years of Read more…

The Importance of New Stages of Life

By: Matt Greenwald

In a June 2015 Wall Street Journal article, Mark Freedman stated that there is a new phase of life after adulthood and requested that someone develop a name for this phase. I agree and will make a suggestion. First, I would like to put the development of this new phase, or stage, of life in Read more…

The Generation the Industry Forgot

By: Lisa Schneider

Over the past few years, I’ve been asked to present research Greenwald & Associates has conducted with younger consumers at various industry events and for various industry leaders. Mostly, I’m asked to focus on the financial needs and state of Generation Y (born 1981 to 1999, by our definition, and often called Millennials). And for Read more…

Reality Check: Retirees Are Doing OK, While Pre-Retirees Worry

By: Matt Greenwald

Not all is doom and gloom for those approaching retirement, according to research conducted by Greenwald & Associates on behalf of MassMutual. While pre-retirees often fear that they will face financial uncertainty and boredom in retirement, retirees feel rather positive about their experience. In fact, six in ten retirees are very satisfied with their lifestyle Read more…



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